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Why Physician Groups Are Self-Insuring

Why Physician Groups Are Self-Insuring


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Given the medical malpractice crisis in a number of states, many physicians are looking at alternatives to conventional insurance coverage. These options typically involve some form of risk sharing where the medical group assumes additional risks based on experience. This article identifies several options—retrospective payment plans, risk retention groups, captives, and rent-a-captives—and their associated risks and opportunities.